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What is the BB&T Alerts service?
BB&T Alerts allows anyone with a BB&T OnLine® account to receive information on account balances and transactions. With BB&T Alerts you set up alerts to notify you when select activity occurs on your accounts. You can choose to have your alerts sent to your email and/or mobile device.
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How do I get started?
It's very easy to register for BB&T Alerts:
- Go to bbt.com and log on to BB&T OnLine banking.
- Click on the "BB&T Alerts" link in the Quick Links box in the left side of the page.
- Read and agree to the Terms & Conditions.
- Enter at least one contact point where you would link to receive the alert – either a mobile phone or email address – in the "My Contacts" section. Click Save and Continue button.
- You can set up to two mobile phone numbers and three email addresses for your contacts.
- Enter a nickname for each account or accept the system generated nickname. Click Save and Continue button.
- A unique verification code will be sent to each contact point you have entered. This code will identify your mobile device or email address and associate it with your account.
- If you enter a mobile device phone number as your contact, a text message will be sent to that mobile device containing a verification code.
- If you have entered an email address, an email message will be sent to that email address containing a verification code.
- Verify your contact point by entering the verification code exactly as it appears (it is case sensitive) and click Verify Code button.
- You must have entered the verification code to receive alerts.
- You have up to 48 hours to enter the verification code in the Preference Center. After that time, your code will expire and you will need request another code.
- If you prefer to verify your contacts at a later date, your may click the Continue button to complete enrollment.
Your registration is complete. Follow the instructions on the "Alert Settings" tab to set up alerts for your accounts.
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What are my contacts and nicknames?
Contacts are the mobile device phone numbers and email addresses you designate to receive alerts. You can enter and change your contacts in the "My Contacts" section of the BB&T Alerts Preference Center. You can choose up to two mobile device phone numbers and three email addresses.
Account nicknames protect your account information and are required for each account. You can create your own unique account nickname or use the default nickname shown in the nickname box. Each mobile account nickname must be unique and between one to eight characters in length, and can include letters or numbers, but not spaces or special characters. Your mobile account nicknames will not replace the account names or nicknames defined in BB&T OnLine Banking.
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How soon do I have to enter the verification code?
You have up to 48 hours to enter the verification code in the BB&T Alerts Preference Center. After that time, your code will expire and you will need to request another code. To request a new code number, go into the BB&T Alerts Preference Center and press the Resend button for that contact point. A new message will be sent to the mobile device or email address with the new verification code.
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What alerts can I sign up for?
The table below summarizes the alerts offered through BB&T Alerts:
Alert |
Description |
Delivery |
| Daily Balance |
Notifies you of your account balance on a daily basis. |
daily |
| Weekly Balance |
Notifies you of your account balance once a week. |
Friday |
| Low Balance |
Notifies you when your account balance falls below a predefined minimum balance. You define a minimum dollar value above $1.00. |
daily & real-time |
| Zero/Negative Balance |
Notifies you when your account balance falls to $0.00 or less. |
daily & real-time |
Debit/Withdrawal Threshold
Exceeded |
Notifies you when a debit or withdrawal is posted in your account greater than the predefined maximum. You define a maximum dollar value above $1.00. |
daily & real-time |
| Deposit Threshold |
Notifies you when a deposit greater than the predefined minimum is posted in your account. You may define a minimum dollar value of $0.00 or greater.
Note: If you have pre-existing Deposit Alerts they will automatically transition to Deposit Threshold Alerts with a $0.00 threshold. |
daily |
| Checks Cleared |
Sends a listing of all checks that cleared in your account the previous day. |
daily |
| NSF/Overdraft Fee |
Notifies you when your account is charged a Non-Sufficient Funds (NSF) fee or an Overdraft fee. You will no longer receive paper notices when you select this alert.
Note: Effective May 2009 the NSF Fee and Overdraft Fee alerts were combined. Any pre-existing Overdraft Fee or NSF Fee alerts have been converted automatically to the combined NSF/OD Alert. |
daily |
OnLine Statement
Notification |
Notifies you whenever a statement in OnLine Banking is available for viewing. An OnLine Statement Notification Alert can be requested for checking, savings, credit card, direct retail lending (DRL) and sales finance statements. |
daily |
| Credit Card Payment Due |
Notifies you when a credit card payment is due. The alert includes the card’s current balance, minimum payment due, and the payment due date. |
monthly |
| Credit Card Payment Posted |
Sends a listing of all payments that posted to your credit card account the previous day. |
daily |
| Single Transaction Exceeded |
Notifies you when a credit card transaction is posted in your account that is greater than the predefined maximum. You may define a maximum dollar value above $1.00. |
daily |
| Current Balance Approaching Credit Limit |
Notifies you when your credit card balance approaches a predefined minimum balance. You may define a minimum dollar value above $1.00. |
daily |
| OnLine Banking Profile |
Notifies you when your BB&T OnLine banking password or User ID is changed. |
real-time |
| Secure Message |
Notifies you whenever a new message is posted to your inbox in the BB&T OnLine Secure Message Center |
real-time |
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When are my alerts delivered?
Real–time alerts are sent to you as soon as the alert is triggered. For example, if you withdraw cash at an ATM and you exceed the limit you have set in the Debit/Withdrawal Threshold Exceeded alert, an alert will be sent immediately.
Daily alerts are based on overnight processing. Certain real–time alerts may be delivered again as part of the overnight delivery processing. Please refer to the table below for daily alert notification schedule:
| Account transaction occurs on: |
Alert will be sent the morning of: |
| Monday |
Tuesday |
| Tuesday |
Wednesday |
| Wednesday |
Thursday |
| Thursday |
Friday |
| Friday |
Saturday |
| Saturday or Sunday |
Tuesday |
| Holiday (any day of the week) |
2nd business day following the holiday |
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What is the difference between my posted balance and my available balance?
Daily Alerts display your Posted Balance, which is the actual amount of money posted in your account, and real–time Alerts display your Available Balance, which is the amount of money you have to draw upon. Your Available Balance does not include funds that are being held. For example, only the first $100 of a pending ATM deposit is immediately available and included in the Available Balance.
The Posted Balance is updated once each day, at night, Monday through Friday. The Available Balance can change throughout the day as you make deposits or withdrawals, or use ATMs or your BB&T Check Card.
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How secure is the BB&T Alerts service?
BB&T is very concerned about the safety and privacy of your information and committed to security. To ensure the security of your account information, a number of security features have been built into the BB&T Alerts product:
- Registration Process – The unique verification code required to verify your email address or mobile device's phone number. This code associates your email address and/or mobile device's phone number with your account. In addition to the security measure, this verification lets you know your email address or mobile device's phone number was successfully entered into the system.
- No Identifiable Information – No Alert is returned with any personally identifiable information, such as your full account number, PIN, or email or personal address. Your User ID and Password will never be included in any of the text messages you receive from BB&T.
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What if my mobile device is lost or stolen?
BB&T will never send full account numbers or other personal information via a BB&T Alert message. If your mobile device is lost or stolen, no one can access your account without knowing your unique User ID and Password. In the unfortunate event your mobile device is either lost or stolen, report it immediately to your mobile carrier. Then you should immediately log on to BB&T OnLine from your computer and delete that mobile device's phone number from the Preference Center. You can alternatively call BB&T Phone24 at 1-800-BANK-BBT (1-800-226-5228) to delete your mobile device from your Preference Center.
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What is the difference between BB&T Alerts and BB&T Mobile Text?
BB&T Alerts are automatic notices sent by BB&T to your mobile device or email containing information about your registered account(s). You define which alerts you want to see and when you want to be notified.
BB&T Mobile Text allows you to request account balance and history information on selected accounts at any time from your mobile device. Your information will be returned directly to your mobile device.
If you have registered your phone to receive BB&T Alerts text messages, you automatically have access to the BB&T Mobile Text services.
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How do BB&T Alerts and BB&T Mobile Text work together?
An alert can notify you of a situation with your account and you can react to that alert using a mobile text command to request account additional information or transfer money between accounts. For example, if you receive a Low Balance Alert via an SMS message to your mobile device, you can send a BAL ALL text message to 69228 (MYBBT) for a listing of your accounts balances and then send a TRA text message to transfer money from one of your eligible accounts to the account with the low balance.
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